Portfolio Risk Analyst

About the RoleWe’re building a next-generation, data-driven audit and risk function and are looking for someone who wants to be at the center of it. This is not a traditional audit role. You’ll work directly with leadership to analyze portfolio performance, detect risk in real time, and help shape how a modern consumer finance platform manages underwriting, fraud, and operations across both physical branches and a growing digital channel.About Asbury Management GroupAsbury Management Group is a privately owned, multi-state consumer finance company operating 83 brick-and-mortar branches in four states and a rapidly growing digital platform. We are focused on disciplined underwriting, strong portfolio performance, and using data to continuously improve how we serve our customers. We are based out of Waxhaw, NC (a suburb of Charlotte) in a historic home located in the downtown area. We're a small team at home office - 13 people - which means real responsibility from day one and direct access to leadership.What You’ll DoConduct data-driven audits of branch performance without on-site presenceBuild and maintain risk dashboards at the branch and employee levelPerform daily forensic reviews of newly originated loans, including customer validation and reconciliation of system activityIdentify outliers in approval rates, loan size, delinquency, and charge-offsAnalyze portfolio trends to detect fraud, policy exceptions, and operational breakdownsPartner with leadership to improve underwriting discipline and reduce lossesWhy This Role Is DifferentYou’ll have direct visibility into how a lending business actually worksYour insights will influence real decisions—not just reportsYou’ll work across both branch-based and digital lending channelsYou'll see how data translates into real financial outcomes and operational decisionsWhat We’re Looking ForCore SkillsStrong analytical thinking and problem-solving abilityExperience working with data (SQL, BI, or similar tools)Ability to connect data to behavior and clearly communicate findingsHigh attention to detail and intellectual curiosityExposure to finance, lending, fintech, or fraud analytics a plusBilingual (English / Spanish) preferred - comp adjusted upward for fluencyWho Thrives HereNaturally curious and enjoys figuring out “why”Comfortable working independently and taking ownershipWants to be part of building something, not just maintaining itThis role is best suited for someone early in their career with strong analytical skills who wants hands-on exposure to real-world data, risk, and decision-making.Compensation$45,000 - $60,000** + performance-based growth opportunity**Based on background, experience and qualifications